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08-02-2011 03:34 AM

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<strong>LOA</strong> – Leave of Absence, an approved break in enrollment, not including a regularly scheduled semester break or spring break, that is requested by the student and approved by the school. The student' s request must be in writing and must include the reason for the leave. An LOA cannot exceed 180 days in any 12-month period.
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<strong>Assignment</strong> – Language placed on or attached to the promissory note indicating a change or transfer of loan ownership (e.g., when a loan is sold by a lender to a secondary market).
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08-02-2011 04:01 AM

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Juglar cycle (E3)<br />A cycle in economic activity lasting seven to eleven years. It was first identified by Clement Juglar (1819-1905) in 1862. He noticed such cycles in prices, interest rates and central bank balances.<br /><em>See also:</em> Kitchin cycle; Kondratieff cycle; Kuznets cycle<br /><em>Reference</em><br />Juglar, C. (1862) Les Crises Commerciales et leur Retour Periodique en France, en Angleterre et aux Etats Unis, English trans. by W. Thorn from the 3rd edn, 1916 (reprinted Farnborough: Gregg Press, 1968).

<strong>FANG</strong> – Financial Aid Noon Group, the mid-Missouri group of financial aid officers. FANG normally meets several times a year in Columbia.
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<strong>Missouri Higher Education Loan Authority (MOHELA)</strong> – Missouri' s designated FFEL Program secondary market. MOHELA, a non-profit quasi-governmental entity, originates, disburses, services, and purchases FFEL Program loans. MOHELA was created more than 20 years ago and is headquartered in Chesterfield, Missouri.

equity premium (G1)<br />The excess of the average real return to stock market securities over the interest rate on treasury bills. In the USA this has been about 6 per cent for 100 years.<br /> <br /><em>Reference</em><br />Kocherlakota, N.R. (1996) 'The equity premium: it's still a puzzle', Journal of Economic Literature 34: 42-71.<br /> Mehra, R. and Prescott, E.C. (1985) 'The equity premium: a puzzle', Journal of Monetary Economics 15: 145-61.

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08-02-2011 04:29 AM

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cognitive consonance (DO)<br />The state of a cognitive system when ideas and beliefs are in harmony.
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<strong>Mastercheck</strong> – A single paper check issued from a lender or disbursing agent that includes funds for multiple FFEL Program borrowers.
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<strong>Discharge</strong> – The release of a borrower or any comaker from all or a portion of his or her loan obligation. Valid reasons for discharge include school closure, death, total and permanent disability, an unpaid refund by the school, or the school' s false certification of a FFEL Program loan.
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oujoyha8l7 08-02-2011 04:32 AM

in Watson should not buy the things you buy and love to Watson MM】 look and see all the men but also for his wife collection of it. Twenty of the
Watson recommended stuff Daqi Di

Mask Recommended: Watson's high cost is mainly the mask, each mask will have to do during Watson's special, you can buy more Tuen with.
1 bird mask, whitening mask fungus, green tea, White Mask
bird mask and hydration are like, green tea facial mask is the oil control shrink pores, and the two can be used together.
2 \water, apply to the face for 15-20 minutes, rinse with warm water on it. very suitable for oily skin MM. (1 周 2-3)
3 U.S. that mask, the mask of his house filled with tablets, bags and cans, there are also a variety of moisture, according to their own preferences, 10 per pack of a general, a lot of essence, the effect is super good! Bag is applied,tennessee titans jerseys, and wash with water, canned effect is also divided into many different effects of the price difference!

Cleanser Recommended:

1 Cleansing Foam Shiseido Cleanser Cleansing Solution Specialist 45 yuan: (send a cleansing oil, a high-moisture foam cleanser, a remover a mile. bubble is very rich delicate, not oil. consumption is also very small.

2 Neutrogena Deep pore cleansing gel (transparent bottle) 24 yuan: mix for washing the skin with a very clean,wholesale jerseys, good results
3 Oil Control Neutrogena Deep Cleanser Oil Control 28 yuan: washed, not tight, the skin smooth and soft.

4 Nivea Refreshing Cleanser 19.8 yuan fine: not taste very good, but very clean wash control oil well, but not tight, super useful for a
5 Nivea Whitening Foam Cleanser 19.8 yuan: and perfectly clear, as around the eyes to get that stimulation, washed with little astringent , but very clean wash delicate moist
6 Cleanser 19.8 yuan Nivea: milk, rub the inside with red beads, foam is not very rich, but very moist
7 Ni Weiya washed white Scrub Cleanser 18 per: twice a week, scrub well
8 Ni Weiya feminine cleansing Pycnogenol 28 yuan: without causing general morning with it, clean power is not strong, very moisturizing,

9 out of skateboarding, music Mentholatum skin clean fresh Cleansing Foam 29 yuan: very refreshing to facilitate comfortable when washing is not tight
10 24 yuan Dove Cleanser: in particular, for dry skin, mm, the winter dry season and then washing the face with this, over a long time will not feel tight and will not wash clean like that!

11 Oil of Olay cleansing natural condensate extraction Milk (pink) 24 yuan: very mild, washing will not feel too dry for the morning with
Toner Recommended:


1 Nivea delicate Toner (powder) 49 yuan: It is indeed a very good use of non-alcoholic photographed Wet your face is also very durable
2 za Revitalizing Toner Yingrun 88: it is suitable for summer ~ not greasy very refreshing

3 Pond's Pore Refining Toner 69 yuan: pay + shrink pores have felt the effects.

4 Evian spray moisturizing 75: very clean, moisturizing effects are particularly good, it is suitable for dry seasonal moisture balance with
5 za water 200ml/78 element: You can always add water to keep skin smooth and moist, easy to use, value for money!

6 zaT area of about 50 oil control spray: cost-effective, oil control effect is good. but you can not spray too much, or sticky. which some white oil control powder, be sure to shake well before use



Lotion / Sunscreen Cream Recommended:

1 ZA True White Lotion 110 Xi: the effect was very good, not oil, look good.

2 ZA 68 per Cream: Can a long time, not greasy, polish Many have applauded
3 MM Johnson & Johnson baby lotion 21 each: the summer with the gall to feel dry, so for a

5 MM oil Nivea Revitalizing Nourishing Massage Oil 9.9: a faint , the body can be used to relieve the soft skin

6 Mentholatum Water Thin Sun 49 100ml: home other than it is big bottle of sunscreen,lebron james jerseys, refreshing texture, Cleansing Milk can not wash the
7 L'Oreal Hydra pure moisturizing cream works well, fresh and not greasy!



Cream Recommended:
Watson collagen hand cream, very easy to use, it is recommended and bone collagen body milk together to buy, 300ML +300 ML pump installed now sell 33, can be used year.


lipstick Recommended:
Watson grapes round box of lip balm is very good, moist, taste it like crystal grapes. discount of 10 dollars when 10 grams.



TIPS:

Watson's novel a lot of small objects, the best time to buy at a discount. some shopping at Watsons brochures to look at the door, know when to fold 5, when more than one plus one dollar, so the most appropriate time to be cheap shots, or when his family usually do not discount anything expensive.
Watson is not recommended NEE:







Watson Collagen Eye Cream


1, Watson Watson Collagen Eye Cream 15g
when to buy sales, 25 yuan,nfl jerseys for sale, it is difficult to use, I had only a small corner of the eye fine lines, since this actually began with crazy long Zhifang Li, dark circles and fine lines to that effect'd seen, and later with many people say that we all have fat granule reflected.

Watsons Olive Moisturizing Shampoo supple
2, Watson olive nourishing Shampoo 29.9 yuan
supple large home grown and cheap shampoo is bent only features, As for the effect to see less, and some will be finished first itch, not recommended.



Watson compressed paper membrane
3, Watson compressed paper membrane
Hello, everybody is really good, this is not all serious. Difficult to use. Maggie and online selling is not that bad two children.



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08-02-2011 04:52 AM

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Coase, Ronald Harry 191 0- (B3)<br />Born in Willesden, England, and a graduate in commerce from the London School of Economics. After holding academic posts in Dundee, Liverpool and the London School of Economics he emigrated to the USA in 1951 to hold chairs in Buffalo and Virginia before settling in Chicago in

<strong>Lender</strong> – A lender in the FFEL Program may be a national or state chartered bank, a mutual savings bank, a credit union, an insurance company, or other entity that provides the actual student loan funds to schools and borrowers.

<strong>CBHE</strong> – Coordinating Board for Higher Education, the governing body overseeing the Missouri Department of Higher Education. The CBHE is comprised of 9 board members and meets 5 times each year.
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08-02-2011 05:16 AM

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mode (C1)<br />The value of a set of numberswhich most frequently occurs, e.g. 7 is the mode of 2, 3, 3, 4, 5, 6, 6, 7, 7, 7, 11, 11. Some distributions are without modes_<br /><em>See also:</em> mean; median; unimodal distribution
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<strong>SFY</strong> – State Fiscal Year, a period from July 1 through June 30 of the following calendar year for the state of Missouri.

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08-02-2011 05:42 AM

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extended equilibrium (D5)<br />An expansion of the concept of GENERAL EQUILIBRIUM to include the natmal environment.

job control unionism (J5)<br />A form of TRADE (LABOR) UNIONISM which insists on strict DEMARCATION for each job and a particular wage rate being linked to a highly defined job. There are examples of this in both the US and UK labour markets.<br /><em>See also:</em> featherbedding

<strong>State tax offset</strong> – The withholding of a borrower' s state income tax refund to repay a defaulted loan.

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08-02-2011 06:07 AM

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<strong>State Student Financial Aid Committee</strong> – A committee of Missouri financial aid administrators established in February of 2005 to make recommendations to improve and strengthen the Missouri student financial assistance programs. (Formerly known as “the state aid program task force.” )

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<strong>AFDC</strong> – Aid to Families with Dependent Children, a public assistance program.

<strong>PEPS</strong> – Postsecondary Education Participants System, a database of postsecondary institutions that participate in any program administered by the U.S. Department of Education.

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08-02-2011 06:32 AM

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<strong>ACH</strong> – Automated Clearinghouse, an overnight method of transferring funds electronically via the Federal Reserve.

<strong>Header</strong> – A term that comes at the beginning of the school' s scheduled academic year (SAY).
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dogs ofthe Dow (G1)<br />An approach to investment based on using dividend data. At the beginning of the year, US stocks listed by Dow are ranked by dividend yield from the highest to the lowest and then an equal amount is invested in each of the top ten stocks. The following year the procedure is repeated and the stocks whose rank has fallen below the top ten are sold.
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<strong>Auxiliary Loans to Assist Students (ALAS)</strong> – This federal student loan program was available from 1981 to 1986; in 1986 it was re-named the Parent Loans for Undergraduate Students (PLUS) program.
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08-02-2011 06:56 AM

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Financial Times Industrial Ordinary Share Index (G1)<br />A price index of thirty leading industrial shares traded On the INTERNATIONAL STOCK EXCHANGE of London which was first published in 1935. This valuation of stock market shares is made at the beginning of each trading day, hourly throughout and at the end of the day.
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ceiling price (D4, L5)<br />Maximum price set under a system of price control. If, as is often the case, this price (OC in the figure) is less than the market equilibrium price OE, there will be excess demand MN and some need for rationing to allocate goods.
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landownership (QO)<br />The distribution of the land of a country, a product of its land tenure system, much of which is based on custom enshrined in a country's property laws. Countries that have undergone a socialist revolution often have transferred much land to the state or to small peasant proprietors. The pattern of landownership is a crucial determinant of agricultural efficiency: too much divi-

<strong>The Source</strong> – MDHE' s Guide to grants, scholarships, loans and more-Outlines all of the state student financial assistance programs. This publication and all publications published by the MDHE can be requested on the Publications Order Form: http://www.dhe.mo.gov/publicationsorderform.shtml.

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08-02-2011 01:34 PM

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<strong>Proportional proration</strong> – A required calculation used to determine the applicable annual loan limit for an undergraduate student if the student' s program or remainder of the program is less than a full academic year in length.
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snake in the tunnel (F3)<br />The exchange rate regime constituting part of the SMITHSONIAN AGREEMENT and existing December 1971 to March 1973. The 'tunnel' was the permitted range of 4.5 per cent fluctuations around the dollar; the 'snake', the band of 2.25 per cent to which the participating currencies were confined at a particular time. It also applies to the EUROPEAN MONETARY SYSTEM'S currency movements since 1979.
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<strong>Gallagher grant</strong> – Missouri' s Charles Gallagher Student Financial Assistance Program, administered by the MDHE until the 2006-07 academic year and replaced by Access Missouri August 28, 2007.
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<strong>Entrance counseling</strong> – Counseling required to be provided by a school to its borrowers prior to delivering a student' s first disbursement associated with his or her first loan.

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08-02-2011 01:55 PM

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recession (E3)<br />1 A phase of the business cycle which succeeds a boom and precedes a trough.<br /> 2 A six-month fall in GROSS DOMESTIC PRODUCT according to the NATIONAL BUREAU OF ECONOMIC RESEARCH of Washington, DC.

<strong>Master Promissory Note (MPN)</strong> – A common form that allows a student or parent to borrow multiple loans for multiple academic years and providing repayment obigations information (rights and responsibilities). A signed borrower MPN is required before student loan funds can be disbursed to the school.

exchange rate premium (F3)<br />The difference between the forward exchange rate and the expected future spot exchange rate.
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<strong>Institutional Student Information Record (ISIR)</strong> – The electronic output record provided to the school by the CPS that includes information provided by the student on the FAFSA. The ISIR contains the student' s EFC (Expected Family Contribution) and the results of federal database matches.
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08-02-2011 02:19 PM

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impulse response function (C6)<br />An equation or graph indicating the response of a system to a shock, e.g. changes in output or consumption resulting from an increase in the stock of money.
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08-02-2011 02:25 PM

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08-02-2011 02:50 PM

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<strong>EFT</strong> – Electronic Funds Transfer, the transfer of funds via an electronic method such as wire, which is realtime, or Automated Clearinghouse (ACH), an overnight process.
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labour (JO)<br />A FACTOR OF PRODUCTION COnSlStmg of the effort and time of human beings engaged in the production of goods or services. The notions of H U MAN CAPITAL and ECONOMIC RENT blur the distinction between this factor and the others, CAPITAL and LAND.<br /><em>See also:</em> forced labour; labour supply

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08-02-2011 03:17 PM

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loss function (C1)<br />This shows the deviation of a data point from a least squares fitted line through a scatter of points measured on the vertical axis as a function of the deviation measured on the horizontal axis. This has been applied to msunLITY to indicate what has to be minimized.<br /><em>See also:</em> least squares method

commercial bank (G2)<br />A bank providing a wide range of banking services, including receiving deposits from the public and the making of loans. As a consequence of more competition in the financial sector, these banks have diversified into insurance, mortgage finance and a wide range of business finance, previously the concern of investment/merchant banks alone.<br /> See also: clearing bank; retail bank; wholesale bank <br /><em>Reference</em><br />Ballarin, E. (1987) Commercial Banks amid the Financial Revolution: Developing a Competitive Strategy, London: Harper & Row; Cambridge, MA: Ballinger.
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<strong>Annual loan limit</strong> – The maximum amount a student may borrow for each academic year of study under the Federal Stafford Loan Program. (Note: Federal PLUS and Grad PLUS Loans do NOT have a specific annual loan limit.)
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'Macroeconomics when markets do not clear', in W Branson (ed.) Macroeconomic Theory and Policy, ch. 16, New York: Harper & Row.<br /> Samuelson, P. (1939) 'Interactions between multiplier analysis and the principle of acceleration', Review of Economic Statistics 21(May): 75-8.
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08-02-2011 05:02 PM

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<strong>Overaward</strong> – Any amount of a student' s total financial assistance package (excluding Pell Grants) that exceeds the student' s financial need. May also be referred to as an overpayment.

<strong>DL</strong> – Direct Loan Program, a federal student loan program through which the U.S. Department of Education loans money directly to students and parents rather than having the loans funded by private lenders, as in the case of the FFEL Program. Direct lending is codified in federal regulations within 34 CFR 685.
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<strong>CL4</strong> – CommonLine Release 4, the most widely used CommonLine file format within the FFEL Program. The CommonLine Release 5 (CL5) formats, although in existence for many years, were never widely adopted and implemented by FAMS vendors or FFEL Program participants.

production asymmetry (P4)<br />A characteristic of a DUAL ECONOMY resulting from the traditional agricultural sector using a different combination of factors of production from the modern industrialized sector.
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08-02-2011 05:29 PM

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<strong>AWG</strong> – Administrative Wage Garnishment; federal student loan holders may withhold a portion of a borrower' s wages after a loan is in default.

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08-02-2011 06:18 PM

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<strong>Overaward</strong> – Any amount of a student' s total financial assistance package (excluding Pell Grants) that exceeds the student' s financial need. May also be referred to as an overpayment.
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market anti-inflation plan (E3)<br />A proposal to keep the general price level stable but individual prices flexible by a system created by legislation which would issue sales rights to firms. These rights would equal current net sales at pre-existing prices, corrected for changes in a firm's capital and labour inputs and the average growth in national productivity. Relative prices could change by a firm buying sales rights unused by other firms. See also: incomes policy; Lerner; prices policy<br /><em>Reference</em><br />Lerner, A.P and Colander, D.C. (1980) MAP: A Market Anti-inflation Plan, New York: Harcourt Brace Jovanovich.
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limited general competitive bidding (D4)<br />A form of competition limited to those who have stated qualifications.
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08-02-2011 06:41 PM

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<strong>Reissue</strong> – A post-disbursement change transaction for changing the disbursement date from a past date to a future date. Within CommonLine, this transaction is located in the @1-10 record.
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<strong>Academic Competitiveness Grant (ACG)</strong> – A new federal grant available as of July 1, 2006. Eligibility for this grant is based on high school academic performance as well as financial need. More information is available at: http://studentaid.ed.gov/PORTALSWebA...sp?tab=funding.

financial centre (G2)<br />A cluster of different financial institutions at one geographical location. The growth of population and business encouraged banking, insurance and other types of financing. The large amounts of capital required to conduct these institutions have inevitably led to mergers within the financial sector of the same or related types of institution, as well as the disproportionate growth of cities such as New York, London and Tokyo as financial centres.

indicator variable (E6)<br />An economic statistic which describes the current state of an economy and guides a policy-maker in his or her actions, particularly whether to deflate or reflate the economy.<br /><em>See also:</em> coincident indicators; economic indicators

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<strong>Federal Reserve</strong> – The Federal Reserve Act established 12 banks for holding government reserve funds. The banking industry uses the Federal Reserve system for transferring funds electronically via an overnight process. (See also ACH.)

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altruism (DO, L3, PO)<br />Seeking the good of others. This alternative to SELF-INTEREST can be a major motive for economic activity. Many schemes of idealistic socialism rest on this principle. Adam SMITH used the concept of the INVISIBLE HAND to show that unconscious altruism can occur in an economy based on the principle of self-interest.<br /><em>See also:</em> non-profit enterprise; utopia <br /><em>Reference</em><br />Collard, D.A. (1978) Altruism and Economy, Oxford: Martin Robertson; New York: Oxford University Press.
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<strong>IFAP</strong> – Information for Financial Aid Professionals, an electronic library (www.ifap.ed.gov) provided by the U.S. Department of Education which includes publications and regulations for the federal student aid programs.
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<strong>Capitalized interest</strong> – Accrued interest that is periodically added to a loan' s principal balance. Interest accrues on a subsidized Stafford Loan after the grace period is completed and the borrower enters repayment. For unsubsidized Stafford, parent PLUS, and Grad PLUS Loans, on the other hand, interest begins to accrue after the first disbursement of the loan. Lenders may capitalize any accrued interest on a quarterly basis or at other scheduled time frames.
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<strong>DESE</strong> – Department of Elementary and Secondary Education, the Missouri state agency overseeing the state' s elementary and secondary public school systems as well as the A+ Program.
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council tax (H2)<br />UK local property tax introduced in 1991 as a replacement of the coMMUNITY CHARGE. Poorest households are exempted from it; other households are assessed on the assumption that two adults live in the household (a single person would have a rebate of 25 per cent). The value of each property is placed within one of seven bands, which are defined differently for England, Scotland and Wales.
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Banking School (N2)<br />A group of UK economists, led by Thomas Tooke and John Stuart MILL, who argued that there could never be an excess note issue as notes were only issued to cover real transactions. Also, they wanted the Bank of England to have higher reserves and the growing importance of bank deposits to be incorporated into monetary theory.<br /><em>See also:</em> Bank Charter Act 1844; Currency School; Free Banking School; real bills doctrine
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conditionality (F3)<br />Lending to a debtor on condition that the loan is used for a specific purpose so that there is less risk of default in servicing the loan. It is argued that the INTERNATIONAL MONETARY FUND and WORLD BANK in making this stipulation make 'conditionality' a PUBLIC GOOD.
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game theory (C7)<br />The study of the 'behaviour of independent decision makers whose fortunes are linked in an interplay of collusion, conflict and compromise' (Shubik). The theory is central to much formulation and testing of models in economics as it studies multilateral decision making. The earliest exponents of the art were couRNOT, EDGEWORTH, B6HM-BAWERK and ZEUTHEN. Much of the theory recognizes UNCERTAINTY, recently it has taken into account ignorance of rules, incomplete information and indefinite time horizons. Important solution concepts utilized are the NASH EQUILIBRIUM, the CORE, the Neumann Morgenstern stable set and the SHAPLEY value. Major applications include BILATERAL MONOPOLY, DUOPOLY, planning processes, WELFARE ECONOMICS and the study of markets and monetary institutions.<br /> <br /><em>Reference</em><br />Neumann, J. von and Morgenstern, 0. (1983) Theor y of Games and Economic Behaviour, Princeton, NJ: Princeton University Press.<br /> Schotter, A. and Schwodiauer, G. (1980)<br />'Economics and the theory of games: a survey', Journal of Economic Literature 18: 479 527.<br /> Shubik, M. (1983) Game Theory in the Social Sciences: Concepts and Solutions, Cambridge, MA, and London: MIT Press.
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<strong>Program review</strong> – A comprehensive review of a lender, school, or servicer participating in the FFEL Programs. The review may be conducted by the U.S. Department of Education or by a guarantor to ensure compliance with federal regulations and with policies and procedures.
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gross domestic fixed capital formation (E2)<br />National expenditure in a given time period on physical productive assets, e.g. buildings, civil engineering works, machinery, equipment and vehicles. It consists of both NET INVESTMENT and REPLACEMENT INVESTMENT to maintain the capital stock intact. This form of investment is to be distinguished from investment in inventories and in financial assets.

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<strong>Default</strong> – Occurs when the borrower fails to make FFEL Program loan payments for 270 days or more or when the borrower fails to meet other terms of the promissory note.

radical economics (A1)<br />An application of Marxist and socialist theories to the analysis of the problems of advanced CAPITALIST countries. The major concerns of radical economists are income inequality, international capitalism in the form of MULTINATIONAL CORPORATIONS, DE-INDUSTRIALIZATION, UNEMPLOYMENT, MARKET FAILURE, defence expenditure and the low provision of many PUBLIC GOODS. The humane concerns of these writers have influenced a great deal of policy making but have yet to form the basis of a new society and economy in any major country.<br /><em>Reference</em><br />Linder, M. (1977) The Anti-Samuelson, Vols I and II, New York: Urizen Books. Sawyer, M. (1989) The Challenge of Political Economy: Radical Alternatives to Neo-Classical Economics, Heme! Hempstead: Harvester Wheatsheaf.
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Cowles Commission (B2, CO)<br />US econometric research centre founded in Colorado Springs in 1932 and then moving to Chicago University in 1939 to avoid the Colorado state income tax which affected its publisher benefactor. It was noted in its early days for the distinctive econometric methodology of HAAVELMo and his followers which concentrated on the problems of simultaneity, identification and estimation.<br /><em>See also:</em> econometrics <br /><em>Reference</em><br />Haavelmo, T. (1944) 'The probability approach in econometrics', Econometrica (Supplement) 12: 1-115.<br /> Hildreth, C. (1986) The Cowles Commission in Chicago, 1935-55, Berlin: Springer Verlag.

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